Stillman Banccorp, N.A.: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 11.22% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 11.22% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 18.29% +11.79 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $60.3M | 60,273 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $329.5M | 329,485 | RCOAA223 |
| Recomputed ratio | 18.29% | numerator / denominator | |
| Filed ratio | 18.29% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +11.79 pp | $38.9M | capital that could be lost first |
Tier 1 risk-based capital ratio 18.29% +10.29 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $60.3M | 60,273 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $329.5M | 329,485 | RCOAA223 |
| Recomputed ratio | 18.29% | numerator / denominator | |
| Filed ratio | 18.29% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +10.29 pp | $33.9M | capital that could be lost first |
Total risk-based capital ratio 19.22% +9.22 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $63.3M | 63,337 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $329.5M | 329,485 | RCOAA223 |
| Recomputed ratio | 19.22% | numerator / denominator | |
| Filed ratio | 19.22% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +9.22 pp | $30.4M | capital that could be lost first |
Tier 1 leverage ratio 9.20% +4.20 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $60.3M | 60,273 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $654.8M | 654,796 | RCOAA224 |
| Recomputed ratio | 9.20% | numerator / denominator | |
| Filed ratio | 9.20% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.20 pp | $27.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 4,411 | 4,411 | 4,369 | 4,369 | 4,369 | 4,369 | RCOAP742 |
| Retained earnings | 55,862 | 55,210 | 55,159 | 54,940 | 54,238 | 53,853 | RCOAKW00 |
| Accumulated other comprehensive income | (10,588) | (10,721) | (9,929) | (11,430) | (16,387) | (17,112) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 49,685 | 48,900 | 49,599 | 47,879 | 42,220 | 41,110 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 10,588 | 10,721 | 9,929 | 11,430 | 16,387 | 17,112 | P859 - P840 |
| Common equity Tier 1 capital | 60,273 | 59,621 | 59,528 | 59,309 | 58,607 | 58,222 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 60,273 | 59,621 | 59,528 | 59,309 | 58,607 | 58,222 | RCOA8274 |
| Tier 2 capital | 3,064 | 2,854 | 2,839 | 2,710 | 2,581 | 2,314 | RCOA5311 |
| Allowance includable in Tier 2 capital | 3,064 | 2,854 | 2,839 | 2,710 | 2,581 | 2,314 | RCOA5310 |
| Total capital | 63,337 | 62,475 | 62,367 | 62,019 | 61,188 | 60,536 | RCOA3792 |
| Total risk-weighted assets | 329,485 | 317,193 | 321,139 | 297,388 | 290,585 | 272,566 | RCOAA223 |
| Average total assets for the leverage ratio | 654,796 | 643,298 | 627,949 | 624,972 | 623,928 | 621,053 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $52.8M | $1.7M | 3.22% | 0.51% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $283.4M | $48.7M | 17.18% | 14.78% | RC-R Part II, item 2.a, 2.b |
| Fed funds sold and repo-style transactions | $16.0M | $1.2M | 7.39% | 0.36% | RC-R Part II, item 3.a, 16 |
| Loans: residential mortgage | $61.2M | $34.6M | 56.49% | 10.49% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $2.0M | $3.0M | 150.00% | 0.90% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $240.0M | $211.8M | 88.26% | 64.28% | RC-R Part II, item 4.d, 5.d |
| All other assets | $13.9M | $15.2M | 109.66% | 4.61% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $14.2M | $13.4M | 94.35% | 4.05% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
| Market risk and other approaches | NA | $200 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $329.5M | ties to item 31 ($329.5M) |
|---|---|---|
| Risk-weighted assets before deductions | $329.5M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $329.5M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 18.29% | 18.29% | 19.22% | 9.20% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 18.80% | 18.80% | 19.70% | 9.27% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 18.54% | 18.54% | 19.42% | 9.48% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 19.94% | 19.94% | 20.85% | 9.49% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 20.17% | 20.17% | 21.06% | 9.39% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 21.36% | 21.36% | 22.21% | 9.37% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 21.31% | 21.31% | 22.13% | 9.79% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 21.64% | 21.64% | 22.47% | 9.81% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 22.39% | 22.39% | 23.25% | 9.89% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 23.57% | 23.57% | 24.46% | 9.49% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 23.47% | 23.47% | 24.35% | 9.52% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 22.56% | 22.56% | 23.37% | 9.63% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Stillman Banccorp, N.A. (this bank) | Risk-based | 18.29% | 18.29% | 19.22% | 9.20% | |
| The First National Bank of Jeanerette | $646.5M | Risk-based | 12.05% | 12.05% | 13.31% | 9.96% |
| Walpole Co-Operative Bank | $646.5M | CBLR | NA | NA | NA | 18.82% |
| Home Federal Bank | $644.0M | Risk-based | 13.11% | 13.11% | 14.20% | 9.29% |
| Dominion Bank | $647.4M | Risk-based | 13.08% | 13.08% | 14.03% | 11.17% |
| American State Bank & Trust Company of Williston | $643.5M | Risk-based | 19.81% | 19.81% | 21.06% | 12.06% |
| Phoenixville Federal Bank and Trust | $648.0M | CBLR | NA | NA | NA | 12.62% |
| High Plains Bank | $643.1M | CBLR | NA | NA | NA | 9.60% |
| Legence Bank | $642.9M | Risk-based | 14.61% | 14.61% | 15.73% | 9.55% |
| The Bank of Tescott | $648.3M | CBLR | NA | NA | NA | 10.62% |
| Peer 25th percentile | 13.08% | 13.08% | 14.03% | 9.60% | ||
| Peer median | 13.11% | 13.11% | 14.20% | 10.62% | ||
| Peer 75th percentile | 14.61% | 14.61% | 15.73% | 12.06% | ||
| This bank's percentile | 80 | 80 | 80 | 0 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/407645/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.